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-63.19(-0.32%)

Act fast or risk missing the best Christmas credit cards

Everyone knows there’s a date you have to beat to get your Christmas cards and presents delivered on time – but there’s another one that you have to hit if you want to get the best deal on Christmas shopping.

If you don’t act fast you’ll miss out on the chance to spread the cost and earn a little extra back on your Christmas shopping. That’s because it can take up to six weeks from ordering a credit card and it arriving. So to help you out, we’ve rounded up the best deals on the market if you want to spread the cost, shift a balance or earn a little extra on all your Christmas spending.

Put Christmas on a card

If you haven’t managed to put by enough money for Christmas, or you don’t want to dip into your savings, did you know you could spread the costs with a 0% on purchases credit card? The most competitive cards give you more than a year of interest-free credit, hopefully giving you plenty of time to pay off your balance.

But, before we look at the best buys, here’s a word of warning: don’t forget to pay the minimum repayment every month or you’ll risk losing the 0% promotional rate. And try your best to pay off the card balance in full before the introductory period disappears or the far higher typical APR will kick in. If you don't think you'll manage that, make a note in the diary that you'll need to transfer the remaining balance to a 0% balance transfer card at that point.

The table below shows the current tops deals for 0% on purchases credit cards